Here is a question by Linda:

I’m buying a used car in Texas, and need car insurance coverage; what is the minumum required by law?
Car insurance in Houston is so expensive!! I was wondering what is the minimum coverage that I need to pay? I can’t afford to pay almost half of my monthly payment on car insurance!! That’s crazy!

Do you know what is the minimum required by law? It would be a 60 months leased car.

Thank you!
GOD bless!

The Answer:

Hi Linda,

In Texas the minimum requirements for liability are 25/50/25. This insurance will cost you about $25 a month.
There is a good insurance company in Dallas. See my source below.
Hope this helps. Good luck and God bless

Here is a great article I found about getting cheap car insurance in Texas. Although this article zones car insurance in Houston Texas, the information can be used anywhere in the U.S…….

“Even though Houston, Texas is a city filled with cowboys and cowgirls, cars and trucks are still the favored mode of transportation. Although many people only purchase the minimum amount of insurance that is required by law which includes $15,000 for property damage as well as coverage for bodily injury damage, there are instances were you need a higher level of coverage. Finding cheap car insurance in Houston, Texas is obviously something most motorists are looking for. There are some easy ways to secure a low rate and all are worth trying.

• Find out if your home or health insurance plan offers car insurance. Many do and will actually give clients a discount for holding more than one policy with them. This is certainly something worth inquiring about before purchasing an auto insurance policy. In some cases, the insured can expect a discount on each and every different type of policy they hold with the company.

• Remove any high risk drivers from your policy. If your spouse has had several accidents or a few too many speeding tickets, removing them from your policy can result in a nice savings.

• Make driver’s training a requirement. Even though many parents only add their children onto their car insurance policies as occasional drivers, the cost can still increase by a large amount. If the teenager goes through a driver’s training program that is recognized by the state of Texas, the car insurance company can offer a cheaper rate.

Reviewing your car insurance policy every year or so when it comes up for renewal is a good habit. You may be able to renegotiate the rate or perhaps secure an even lower rate with another company. Remember that you can gather as many quotes as you like to find the cheapest rates on car insurance for you and your family.

Recommended sites for low rate insurance

Cheap Car Insurance in Texas
Quick Auto and Home Quotes (Combined)

Article Source: http://EzineArticles.com/?expert=Deborah_Mills”

– Hope this helps with the quest for finding cheap car insurance in Texas or anywhere in the U.S. There sure has been a lot of points I personally did not know.

Whether you are driving an import or a high performance vehicle, having cheap auto insurance in Texas can be a challenge due to many factors. Here is an article I found which touches base on some pertinent info when looking for car insurance in Texas, as well as some consequences of not having insurance at all….

“Many factors can make the search for cheap car insurance in Texas a rough one. A lapse in coverage, a less than stellar driving record – they all add up. If you’re having difficulty finding cheap car insurance in Texas, consider looking into the Texas Automobile Insurance Plan Association. The Texas Automobile Insurance Plan Association allows you to obtain the basic Texas liability coverage, personal injury coverage, and even uninsured and underinsured motorist coverage.

The downside to the Texas Automobile Insurance Plan Association is you’ll likely be charged higher rates than you would be charged by your everyday car insurance company. The upside is Texas Automobile Insurance Plan Association provides you with car insurance you wouldn’t otherwise have been able to obtain. Without car insurance or some form of proof of financial responsibility in Texas, you’re driving illegally which brings consequences.

In Texas, if you’re caught driving without insurance or some form of proof of financial responsibility, you will be fined anywhere from $175 to $350 – and that’s just your first offense. If you’re caught a second time, you will pay a higher fine, and if there is a third offense, not only will you pay an even higher fine than the first and second offenses, but you also risk having your driver license suspended. Plus, you will be given a ticket for a surchargeable violation. A ticket. Sounds like no big deal, right? Wrong. In Texas, a surchargeable violation means you can be charged more than once for the violation, i.e., you’ll have to pay a fine for that violation once a year for up to three years.”

– Ouch! You wouldn’t want to get caught without car insurance in Texas now huh?

“So, looking to the Texas Automobile Insurance Plan Association for cheap car insurance in Texas may not give you cheaper car insurance rates than standard car insurance companies, but it will give you a cheaper bill than you will get if you’re caught driving without car insurance or proof of financial responsibility.

To get free quotes and learn more about insurance please visit the following recommended sites.

Cheap Car Insurance in Texas
Home Owner Insurance Quote Texas
Free Health Insurance Quotes Tennessee

Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry”

Hmm, this article gave a recommendation that may not satisfy. While many factors are relative when it comes to getting cheap car insurance in Texas, I think one can still have a chance at finding that insurance company or agent in Texas that can help you save a ton of money. It may seem like a headache, but I’m telling you that getting car insurance quotes online is not only a lot easier but can pay off because of the wide variety of quotes.

How? Well I’ve personally experienced a company “forgiving” one of many of these factors that originally stopped you from obtaining a decent insurance quote. Thus resulting in a shockingly low quote that you may think it’s too good to be true! Check out my experience obtaining a quote online in my article titled: “A Variety of Auto Insurance Texas Style” in this site….